Banking sector, so that a crisis usa telegram data does not arise in the mortgage market, and so that depositors are confident in their savings. Therefore, we are oblig to take timely measures. In 2023 and 2024, with the help of macroprudential surcharges, we increas the capital requirements for banks for the riskiest mortgage loans. When surcharges are set at a high, essentially prohibitive level, issuing such risky loans becomes unprofitable for banks.
Of course, we also want to protect people
The consequences of excessive debt. If a borrower has taken on too much debt, then at some point he will lose the ability to pay the mortgage. He will not lose his home immiately thanks to the support measures that exist in our country. The borrower can take advantage of crit holidays or refinance the debt, but it is still a very unpleasant situation for anyone.
The measures taken have ruce
The issuance of risky mortgages by approximately three to four times. Loans grant to borrowers with a debt burden ratio of over 80% account for only 13% of issuances in the fourth quarter of 2024 (after 45% in the second half of 2023). The share of loans with a low getting a cooperative loan becomes easier down payment (less than 20%) also decreas: from 50% in the second half of 2023 to 13% in the fourth quarter of 2024. The government’s changes alb directory to preferential mortgage programs and increas the minimum down payment to 20% also play a role here.
